Young and newly licensed drivers usually pay more for car insurance because they have less driving history. The cost tends to fall with time and a clean record, and some steps can help in the meantime.
Stay on a parent's policy, if it makes sense
Being added to a family policy is often cheaper than a separate policy. Compare both options and check how the insurer rates the young driver and the car they'll use.
Ask about these discounts
- Good student discounts for maintaining strong grades
- Driver training or defensive driving course discounts
- Student-away-at-school discounts if the student is away without a car
- Telematics programs that track safe driving
Choose the car carefully
A modest, safe car with good safety ratings and lower repair costs is usually cheaper to insure than a sports car or a new luxury model. Get a quote before you buy.
Keep a clean record
Accidents and tickets can raise premiums for years. Every year of clean driving helps.
Set the right deductible
A higher deductible lowers the premium, but make sure there's money set aside to pay it after a claim.
Review every year
Rates for young drivers often drop as they gain experience, so shop around at renewal rather than assuming the price will adjust on its own.
General information only, not insurance advice and not a recommendation of any insurer or policy. Coverage rules and prices vary by state and by insurer, so confirm details with a licensed agent or your state insurance department.